Job Description

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com

This position directly supports the Asset Based Lending line of business, with full ownership of the underwriting process. Working in close partnership with Analysts, Associates, and Relationship Managers, the Senior Underwriter evaluates potential risks, identifies cross-sell opportunities, and leads deals from opportunity through close with minimal oversight. This individual serves as the primary architect of complex ABL revolving and term credit facilities, while acting as an internal consultant and liaison between Credit and the Line of Business to ensure a best-in-class client experience.

Key Responsibilities

• Lead the end-to-end due diligence process for new asset based loans, including internal credit approval, coordination of field exams and appraisals, and negotiation of legal documentation.
• Serve as the subject matter expert in ABL credit policies, procedures, and loan documentation — providing specialized expertise in structuring facilities that align with institutional requirements and sound risk management practices.
• Prepare comprehensive, high-quality credit approval packages that clearly articulate credit risks, mitigants, and transaction rationale.
• Conduct detailed financial and collateral analysis, including review of borrower financial statements, borrowing base calculations, and cash flow projections.
• Perform risk rating assessments, financial statement spreading, and preparation of financial models.
• Monitor and analyze macroeconomic conditions, industry trends, and evolving lending practices to inform credit decisions.
• Proactively identify and support cross-sell opportunities in collaboration with Relationship Managers.
• Lead and contribute to key initiatives that enhance the delivery of credit solutions for clients and prospects.

Qualifications

• Bachelor's degree in Finance, Accounting, Commercial Banking, or a related field
• 8+ years of Asset Based Lending experience with formal credit training
• Exceptional written, verbal, and interpersonal communication skills
• High degree of self-motivation, initiative, and professional accountability
• Collaborative team player who thrives in a fast-paced environment and builds strong relationships across the organization
• Advanced proficiency in Microsoft Office, including Excel, PowerPoint, and Outlook
• Deep passion for financial services and a demonstrated commitment to superior client experiences
• Proven leadership capabilities and a history of meaningful community involvement

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.